How should you take your Equifax data breach settlement?

Do you go for the free money or the free service? And what does the fine print say?

The Federal Trade Commission confirmed on July 22 that Equifax will pay as much as $700 million — and no less than $575 million — for the 2017 data breach that affected the personal information of roughly 147 million people. And in the days that followed, a question sprang up: how do you get your own piece of that action?

It's pretty straightforward on the face of things. You can get up to 10 years of free credit monitoring or, if you already have credit monitoring (which can be gotten for free through a service like Credit Karma), you can get $125. Read more...

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